The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Union Bank Of India for its Darbhanga branch in Darbhanga, Darbhanga, Bihar, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Union Bank Of India located in Darbhanga or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code UBIN0816281. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Union Bank Of India, Darbhanga, Darbhanga
The table below shows the main details of the IFSC Code UBIN0816281 for the Union Bank Of India branch in Darbhanga, which falls under the Darbhanga district in Bihar.
| Particulars | Details |
|---|---|
| Bank | Union Bank Of India |
| IFSC Code | UBIN0816281 |
| Branch | Darbhanga |
| City | Darbhanga |
| District | Darbhanga |
| State | Bihar |
| Address | Mcme,Stlmzumd |
These details are essential not only for online banking users but also for businesses and individuals who use Union Bank Of India in Darbhanga for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UBIN0816281 for the Darbhanga branch of Union Bank Of India plays an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Union Bank Of India located in Darbhanga, Darbhanga, Bihar, are allotted a unique IFSC like UBIN0816281 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Darbhanga.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Darbhanga and Darbhanga.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Union Bank Of India in Darbhanga reaches the right place, even though there are thousands of branches in Bihar and across India.
Format of the IFSC Code UBIN0816281
This is the format of the IFSC Code for banks, including Union Bank Of India, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Union Bank Of India, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Darbhanga in Darbhanga.
For example, the IFSC Code UBIN0816281 of Union Bank Of India for the Darbhanga branch includes these elements, identifying the bank and the branch location in Darbhanga and Bihar accurately.
How to Find IFSC Code for Union Bank Of India?
To find the IFSC Code UBIN0816281 of Union Bank Of India for its Darbhanga branch located in Darbhanga, the following methods can help you out:
Cheque Book
The cheque book issued by Union Bank Of India includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including Union Bank Of India branches in Darbhanga and Darbhanga, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Union Bank Of India and go to the branch locator section. Then search for Darbhanga or Darbhanga to find the exact IFSC Code UBIN0816281.
Mobile Banking App
If you use Union Bank Of India's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes. Searching for Union Bank Of India and Darbhanga will provide accurate information.
How to Use IFSC Code UBIN0816281 for Online Transfers?
Once you have the IFSC Code UBIN0816281 for the Darbhanga branch of Union Bank Of India in Darbhanga, you can start with your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code UBIN0816281. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. You need the recipient's account details and Union Bank Of India IFSC Code UBIN0816281.
Whatever method you choose, the accuracy of the IFSC Code is highly important. If there is any mistake in entering the IFSC Code for Union Bank Of India Darbhanga in Darbhanga, it can result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Union Bank Of India in Darbhanga, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Union Bank Of India website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Darbhanga manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Darbhanga Darbhanga branch is UBIN0816281.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at Mcme,Stlmzumd.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.